10227 Elys Ford Rd, Fredericksburg, VA 22407 Property Records

Spotsylvania County property record for 10227 Elys Ford Rd, Fredericksburg, VA 22407

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,464 sqft · built 1972
Lot Size	6.5 acres (283,140 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Sep 2000)
Tax Bill	$2,525 (2026)
Deeds & Mortgages	Jan 2024 Second Mortgage Nov 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-A-27`

Property Details

APN / Parcel Number

Primary APN	`3-A-27`
Alternative APNs	`003-A-27` `03-A-27`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,464 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	283,140 sqft (6.5 acres)
Porch	Slab
Porch Area	338 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10227 ELYS FORD RD
City	FREDERICKSBURG
State	VA
Zip	22407-9651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU - RURAL
Legal Description	JOE LEWIS ESTATE
Legal Subdivision	JOE LEWIS ESTATE
Jurisdiction	SPOTSYLVANIA VA
Township / Civil Division	CHANCELLOR
Census Block Group	2
Census Block	2004
Census Tract	20105

Owner

10227 Elys Ford Rd is owned and occupied by an individual who acquired it in October 2019.

Source: Spotsylvania County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	10227 ELYS FORD RD, FREDERICKSBURG, VA 22407-9651
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Nov 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 16, 2019	Quit Claim Deed, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2000 · Amount on File
Deed Sale	Sep 8, 2000 · Amount on File
Deed Book / Page	1855 / 58
Last Transfer Date	Oct 9, 2019
Transfer Doc	0000017586
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10227 ELYS FORD RD, FREDERICKSBURG, VA 22407-9651
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000418
Date	Jan 11, 2024
Instrument	240000418

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Dec 1, 2043

Interest

Rate Type	Fixed Rate

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPOTSYLVANIA VA
Property Address	10227 ELYS FORD RD, FREDERICKSBURG, VA 22407-9651
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220021894
Date	Nov 15, 2022
Instrument	220021894

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2042

Interest

Rate Type	Fixed Rate

October 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SPOTSYLVANIA VA
Recording Date	Oct 16, 2019
Property Address	10227 ELYS FORD RD, FREDERICKSBURG, VA 22407-9651
Document Number	201900017586
Instrument Date	Oct 9, 2019
Instrument	17586
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10227 ELYS FORD RD FREDERICKSBURG VA 224079651, FREDERICKSBURG, VA 22407-9651

Mortgage

Document Number	201900017587
Date	Oct 16, 2019
Instrument	17587

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 10227 Elys Ford Rd was $2,525.

Source: Spotsylvania County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Spotsylvania County
Unified School District	Spotsylvania County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,525.00	$342,600 Land $203,700 Building $138,900
2025			$342,600 Land $203,700 Building $138,900
2023	$1,532.00	$198,600 Land $126,400 Building $72,200	$198,600 Land $126,400 Building $72,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10227 Elys Ford Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

Source: FEMA National Flood Hazard Layer, effective May 10, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2009–2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2015 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10227 Elys Ford Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

4G LTE (outdoors only), no 5G reported

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